hmmm this is all very enlightening
I must admit that I am not very well acquainted with the core mechanics of this game, so what follows is pure conjecture. To me it would seem logical that charisma and possibly intelligence should somehow affect the dialog tree and thus what you are able to achieve through dialog options. If this is the case then it would follow that a charisma level of 10/18 should seriously impair my dialog options.
The template posted by Darkor seems pretty balanced, and I would probably end up with a jack of all trades character that might not be very efficient in combat, but would be able to extract as much content from the game as possible. It is quite obvious that I can